Thekabarnews.com—Retiring does not necessitate a break from employment for many individuals who have worked for decades. Instead, individuals who are on the verge of retiring are preoccupied with the financial challenges that come with getting older. They do this rather than using the opportunity to enjoy a peaceful and reflective period in their lives.

Financial matters are of the utmost significance. When a person stops working, they either lose their continuous income or see a decrease in it. During this time, there is typically an increase in the cost of living, particularly with regard to medical care. Unprepared individuals may misunderstand this distinction.

During the period of September 8 to 12, 2025, Kompas Research and Development (Litbang Kompas) posed a question to the general public. The findings indicated that this concern was becoming more prevalent. In fact, 29 percent of those who participated in the study expressed concern that they will not have a reliable source of income once they reach retirement age.

21.2 percent of respondents worry they don’t have enough savings. Many Indonesians experience feelings of poverty when the economy is not performing well. This trend is seen by these two primary concerns.

A significant number of respondents to the study believe that they are unable to survive solely on the income from their savings or investments. But they believe that they will have to continue working. People who experience a monthly loss of money do not feel as secure with their financial situation.

Because they are aware of their limited funds, retirees exercise caution with their savings and investments. They are also aware that their funds may deplete over time. To make ends meet, people frequently continue to labor for extended periods of time, even when they are of advanced age.

Statistics Indonesia (BPS) provides evidence to support this concern. The study on the retired population statistics for the year 2025 indicates that only 16.28 percent of Indonesia’s retired population qualifies for social security.

Having such a meager safety net demonstrates that the preparation for retirement is not functioning properly. This happens because their pensions are inadequate or they have insufficient savings. Therefore, most retired people still require assistance from their families or from their jobs in order to make ends meet.

The advice of financial experts is that you should start planning your finances early. They also recommend investing them in a wide variety of assets and working to strengthen social safety net programs to make your retirement more secure. to

It is becoming increasingly valuable to make preparations for retirement in Indonesia as the country’s population continues to age.

Retirement shouldn’t be stressful, but if you don’t prepare and get help, it could be financially difficult.

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